Is there any other app that provides excellent cashback offers? I am using GPay, and I am not getting any beneficial offers on it.

Thanks for the reply. I already filled the complaint; hopefully, I will get rid of this issue very soon.

If the future of cryptocurrency is uncertain, then should we invest in crypto now?

Thanks for your suggestion. My father invested some money in mutual funds and some in PPF, as he does not want to take too much risk now.

Just check the eligibility criteria in the FAQs.

Hardware wallets are the optimal choice for storing our keys. Tell me, what is the difference between the Ledger Nano X and Trezor Model T? And on what basis should I select?

Hii,
I am a senior citizen. In the old tax regime, there were special advantages in tax rates for senior citizens. Does the new tax regime allow any special exemption for interest earned by senior citizens from savings or fixed deposits? Are deductions on medical insurance premiums still available for senior citizens in the new tax regime?

I want to register for SBI net banking through the YONO app, but I don't know my login ID and password. Can you please tell me how I can get them?

@Reema said in Bitcoin vs. traditional transfers to India:

Yes, Bitcoin can be a beneficial option for a faster and potentially cheaper international transfer to India, and it can bypass the traditional banks and Western Union.

Considering the Indian government's uncertain regulatory stance and the RBI's historical caution regarding crypto, doesn't using Bitcoin for transfers introduce greater long-term legal and withdrawal risks compared to traditional, regulated bank channels?

If my dashcam video can be used as proof in India, what important legal steps should I take after filing an FIR and informing my insurance company to ensure my claim is processed?

Hey @Shivangi Yes, you can convert your MakeMyTrip ICICI Credit Card reward points into airline miles, or you can use them directly for flights, hotels, and travel bookings on MakeMyTrip.

Just keep in mind that the redemption options and eligibility requirements depend on the current terms and partnerships set by ICICI Bank.

@Vedik_AA
Missing a credit card payment often results in a late fee and can lower your credit score right away. Interest on the unpaid balance begins to accumulate each day. Missing one payment usually won't significantly impact your credit limit or benefits, but consistently missing payments can decrease your limits and rewards.

With GST 2.0 now in full swing, I’m wondering if we’ll actually see lower prices at the billing counter. Do savings on insurance and groceries really benefit us, or do brands keep the difference to increase their profits while my budget remains unchanged?

@Drishti
Well, we have mentioned all this quite clearly here: https://fincuss.com/topic/310/hdfc-biz-black-metal-edition-credit-card
But still, if you're considering the HDFC Biz Black Metal Edition Credit Card, here’s what you need to know:

Chip-based security enhances safety. Real-time transaction alerts keep users informed. Two-factor authentication adds extra protection. Earning and redeeming reward points is easy. Rewards can be used for flights, hotels, and e-vouchers. Promotional offers may enhance redemption options.

@Drishti Take a moment to assess your business structure before diving into expense applications. Sometimes, simply changing how the business is set up — such as using a family structure — can save you significantly on taxes. You just want to ensure that whatever you choose fits your future plans and keeps the tax office happy.

The insurance and lifestyle perks on women-focused cards sound great on paper, but do they actually provide real value day-to-day? Are these benefits really better than those of a regular debit card, or is it just clever marketing?

The ₹5,000 crore cap is a good move for small issuers, but how will SEBI protect everyday investors from higher risks? I'm specifically worried about credit quality and liquidity — how do we ensure that someone in a small town doesn't get burned?

Zero forex cards look good, but how do I identify the hidden costs? I’m talking about things like ATM fees, poor exchange rate spreads, and high annual charges. Has anyone figured out how to tell if the savings are actually real or just marketing?

With more foreign money entering Indian banks, I’m wondering how ready we are for a sudden global crisis. Can regulators maintain stability and protect local savers if international investors withdraw suddenly, or does this global link threaten domestic growth?

@Siddarth With Quant betting more on PSU banks and NBFCs while launching this new Small & Mid-Cap SIF, I am trying to figure out the real risk. Is it wise to invest so much in a few sectors when the potential reward might not outweigh the risks posed by volatility and changing rules?